Tractor and agricultural finance

Whether it's cultivating soil, producing crops or raising livestock, farming and agriculture needs the right tools. Our flexible finance options help you get the equipment and vehicles you need to increase your productivity.

Farming and agriculture is a vitally important industry currently facing many challenges, such as climate change, reliance on subsidies and market volatility.

To give your farm or agricultural business the best chance of thriving we understand you need to invest in the right machinery, equipment and vehicles. If you'd like to invest, but don't have the funds currently available, we could help you find asset finance for you farming and agricultural equipment.

Agriculture finance from White Oak UK

And we've worked with farmers and agriculture businesses for over 30 years, so we understand that you need simple, fuss-free finance to invest today and start increasing your productivity.

We've cut all the red tape from our business so we can offer quick, simple and straightforward asset finance so you can invest in the farming equipment you need, when you need it.

Always speak to the same person - someone who understands your business

Simple application

Minimal deposit required

Receive funds in as little as 48 hours

VAT funded to coincide with reclaim dates

Multiple credit lines available

Depending on your requirements you can repay monthly, quarterly, six-monthly or annually. And because we understand your business, seasonal payments are available to coincide with your cash flow peaks and troughs throughout the year.

Equipment we can finance for your farm/business

We'll help you find the right finance package based on the equipment or vehicle that you need. Asset finance is a flexible option that lets you lease, purchase or refinance the machinery you need, such as:

What our customers are saying

They were quick and efficient at getting a competitive quote and completing the transaction. I would definitely use them again.

Dee Ward

Rottal Estates, Glen Cova

Very good and simple.

Peter

Chambe, Inverness

How can asset finance help fund agriculture and farming equipment?

We make asset finance easy for our customers and help you find the best options available to you depending on the asset and your circumstances. Wholly or largely secured on the assets being financed, asset finance also gives some flexibility to replace or upgrade equipment.

Finance lease

A solution where you are able to rent the asset over an agreed period of time, up to a maximum of 5 years. At the end of the lease you have 3 options:

Purchase the asset via a third party for an agreed fee

Return the asset to us (there will be a cost incurred to you for this)

Enter into a secondary lease period over an agreed amount of time

Hire purchase

Hire Purchase (HP) allows you to benefit from the immediate use of the asset over an agreed term, while repaying the cost in instalments. HP allows you to get the farming equipment you need by White Oak UK purchasing the equipment on your behalf.

We maintain ownership until the final payment is made and at the end of the agreement you can choose to keep the asset or return it to us.

How long can you finance a tractor?

You can finance a tractor or other farming equipment for up to 5 years. Using finance lease or hire purchase options you can choose to keep the asset, or look at other options.

Views from the flipside

What our customers say

We could not have been happier. Banks as usual were a nightmare - they took over six weeks to eventually refuse for vague reasons unexplained. White Oak UK were professional, helpful, friendly, and best of all, fast.